SCHD vs XT
SCHD vs XT
Schwab US Dividend Equity ETF vs iShares Future Exponential Technologies ETF
Quick Verdict
SCHD has a lower expense ratio. XT delivered stronger 1-year returns. XT offers more diversification with 196 holdings.
Side-by-Side Comparison
| Metric | SCHD | XT | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.46% | |
| AUM | $103.7B | $3.8B | |
| Dividend Yield | 3.31% | 6.88% | |
| Holdings | 104 | 226 | |
| YTD Return | +24.26% | +18.51% | |
| 1Y Return | +31.38% | +36.28% | |
| 3Y Return (annualized) | +15.08% | +17.74% | |
| 5Y Return (annualized) | +9.72% | +7.10% | |
| Volatility (annualized) | 13.6% | 17.4% | |
| Max Drawdown | -33.4% | -34.4% | |
| Fund Family | Charles Schwab Asset Management | iShares by BlackRock (US) | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Mar 19, 2015 |
SCHD vs XT Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and iShares Future Exponential Technologies ETF (XT) is a ETF from iShares by BlackRock (US). Over the past year SCHD returned +31.38% while XT returned +36.28%. Year to date, SCHD is up 24.26% versus a gain of 18.51% for XT.
Over three years, SCHD compounded at +15.08% per year against +17.74% for XT; over five years the annualized figures are +9.72% and +7.10% respectively. Across the full 11-year window we track, XT has the edge at +11.86% annualized vs +11.39%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XT has been the more volatile fund, with annualized monthly volatility of 17.4% compared with 13.6% for SCHD. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -33.4% for SCHD and -34.4% for XT. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.74. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while XT charges 0.46%. On a $10,000 position that is $6 vs $46 annually, a gap of $40 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 6.88% for XT.
Holdings Overlap
SCHD and XT share 6 holdings out of 290 unique holdings combined, representing a 7.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in SCHD | Weight in XT | Difference |
|---|---|---|---|
| TXN | 3.70% | 4.04% | 0.34% |
| MRK | 4.32% | 1.64% | 2.68% |
| AMGN | 4.25% | 1.04% | 3.21% |
| BMY | Pro | Pro | Pro |
| ACN | Pro | Pro | Pro |
| BR | Pro | Pro | Pro |
See all 6 holdings SCHD shares with XT Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, SCHD or XT?
SCHD has an expense ratio of 0.06% while XT charges 0.46%. SCHD is the cheaper option. On a $10,000 investment, that is $40 per year of difference.
Which performed better, SCHD or XT?
Over the past year SCHD returned +31.38% vs +36.28% for XT, so XT leads on 1-year performance. Over the longest common window we track (11 years), SCHD annualized +11.39% vs +11.86% for XT. Past performance does not guarantee future results.
Which is riskier, SCHD or XT?
XT has been the more volatile fund at 17.4% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs XT -34.4%.
Should I hold both SCHD and XT?
SCHD and XT have a monthly-return correlation of 0.74, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XT?
SCHD and XT share 6 common holdings with a 7.3% weight overlap. Combined, they hold 290 unique securities.
Which pays a higher dividend, SCHD or XT?
SCHD yields 3.31% while XT yields 6.88%, so XT currently pays the higher dividend yield.
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